Version ¹245 от 28/02/2024
As of February 01, 2024 actual origination of the payment cards were realized by 18 banks and JSC «Kazpost». These institutes issue and distribute payment cards of the international systems like Visa International, Master Card, UnionPay International, American Express International and Diners Club International. Beside banks of Kazakhstan issue payment cards of the local systems like local card of Citibank Kazakhstan – JSC «Citibank Kazakhstan» and System of payment cards Kaspi.kz - JSC «Kaspi Bank».
As of February 01, 2024, 75.3 million payment cards are in circulation. The most common are debit cards, their share is 81.0%, the share of credit cards is 16.2%. Debit cards with a credit limit and prepaid cards account for 2.8%.
In January 2024, the volume of transactions using payment cards of Kazakhstani issuers amounted to 11.9 trillion tenge, the number – 862.3 mln transactions. At the same time, over the same period of 2023, the number of non-cash transactions increased by 13.6% and reached up to 842.7 mln transactions and by 14.6%, reaching 10.1 trillion tenge. The holders of payment cards carried out 19.7 million cash withdrawal operations in the amount of 1.8 trillion tenge. There is an increase in the number of cash withdrawal operations compared to January 2023 by 14.0%. At the same time, the volume of cash withdrawal operations increased by 22.2%.
The main share of non-cash transactions in Kazakhstan is carried out via Internet /mobile banking (78.9% of the total number of transactions and 89.0% of the total volume of non-cash payments and money transfers) and POS terminals (21.0% and 10.6% of the total number and volume of non-cash payments and money transfers). Cash withdrawal operations were mainly carried out through ATMs (98.4% and 87.5% of the total number and volume of cash withdrawal operations).
More detailed data on development of the payment cards market in Kazakhstan are shown in Tables 1-7.
|
Table 1 |
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|
Specifications |
As of 01.02.2023 |
As of 01.02.2024 |
|
Total number of cards in circulation (thousand), of which: |
65 899,5 |
75 253,5 |
|
local systems |
22 422,1 |
25 028,0 |
|
international systems, of which: |
43 477,3 |
50 225,5 |
|
Visa International, of which: |
33 734,4 |
37 735,5 |
|
debit |
30 495,8 |
35 054,9 |
|
credit |
1 159,1 |
734,9 |
|
Debit cards with credit limit and prepaid |
2 079,4 |
1 945,7 |
|
MasterCard Worldwide, of which: |
8 135,8 |
11 043,4 |
|
debit |
7 797,8 |
10 713,0 |
|
credit |
329,5 |
157,7 |
|
Debit cards with credit limit and prepaid |
8,5 |
172,7 |
|
Number of used cards (thousand), of which: |
32 368,5 |
37 851,1 |
|
local systems |
13 184,2 |
15 536,3 |
|
international systems, of which: |
19 184,4 |
22 314,8 |
|
Visa International, of which: |
16 305,9 |
19 055,1 |
|
debit |
15 516,2 |
18 511,7 |
|
credit |
369,9 |
286,5 |
|
ADebit cards with credit limit and prepaid |
419,8 |
256,8 |
|
MasterCard Worldwide, of which: |
2 316,7 |
2 796,5 |
|
debit |
2 245,7 |
2 722,2 |
|
credit |
68,6 |
44,9 |
|
Debit cards with credit limit and prepaid |
2,4 |
29,3 |
|
Quarterly specifications |
01.01.2023 |
01.01.2024 |
|
Number of POS - terminals (units), of which: |
831 780 |
1 041 884 |
|
commercial enterprises |
815 501 |
1 033 770 |
|
banks |
16 279 |
8 114 |
|
Number of ATM (units) , of which: |
12 391 |
12 649 |
|
with cash distribution function |
5 378 |
4 982 |
|
with cash reception and distribution functions |
7 013 |
7 667 |
|
Number of commercial enterprises (units) |
567 687 |
793 065 |
|
Number of users of online bank service(thousand units)[1] |
22 912,09 |
22 019,81 |
|
Table 2 |
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|
Specifications |
As of 01.02.2024 |
|||||
|
Total number of cards in circulation (thousand) |
Number of used payment cards (thousand) |
|||||
|
debit |
credit |
others[2] |
debit |
credit |
others2 |
|
|
Total, incl. |
60 919,7 |
12 215,3 |
2 118,5 |
33 457,9 |
4 107,1 |
286,1 |
|
Akmola region |
1 834,9 |
411,7 |
99,7 |
1 047,3 |
133,9 |
14,5 |
|
Aktobe region |
2 613,4 |
634,2 |
119,7 |
1 461,2 |
217,3 |
15,7 |
|
Almaty region |
2 842,2 |
1 055,4 |
190,4 |
2 004,9 |
368,3 |
21,8 |
|
Atyrau region |
2 135,3 |
481,9 |
101,1 |
1 193,7 |
172,4 |
9,8 |
|
East Kazakhstan reg. |
2 056,9 |
451,5 |
164,6 |
1 109,5 |
139,0 |
20,5 |
|
Jambul region |
2 806,4 |
646,4 |
137,9 |
1 576,3 |
207,9 |
12,0 |
|
West Kazakhstan reg. |
1 942,1 |
466,0 |
85,9 |
1 083,9 |
153,8 |
10,1 |
|
Karaganda region |
3 425,6 |
733,5 |
149,1 |
1 892,9 |
243,2 |
19,7 |
|
Kostanai region |
2 286,4 |
463,7 |
96,9 |
1 246,1 |
144,5 |
15,7 |
|
Kyzylorda region |
2 161,2 |
533,8 |
121,4 |
1 174,3 |
180,4 |
10,3 |
|
Mangistau region |
2 221,7 |
518,5 |
77,6 |
1 237,3 |
185,3 |
8,6 |
|
Pavlodar region |
2 172,6 |
467,3 |
103,3 |
1 216,3 |
150,0 |
16,0 |
|
North Kazakhstan reg. |
1 410,0 |
257,9 |
56,1 |
755,4 |
75,5 |
8,7 |
|
Turkestan reg. |
4 020,0 |
1 133,3 |
174,7 |
2 385,5 |
346,8 |
17,9 |
|
Almaty city |
14 231,2 |
1 385,9 |
191,2 |
7 458,4 |
469,5 |
40,9 |
|
Shymkent city |
3 485,5 |
713,9 |
61,2 |
1 704,2 |
248,5 |
7,1 |
|
Astana city |
4 919,4 |
997,9 |
163,4 |
2 617,1 |
391,9 |
33,6 |
|
Jetysu reg. |
2 000,7 |
365,2 |
10,5 |
1 034,0 |
116,0 |
1,4 |
|
Abay reg. |
1 723,7 |
353,5 |
9,5 |
906,6 |
113,3 |
1,2 |
|
Ulytau reg. |
630,5 |
143,7 |
4,2 |
352,9 |
49,9 |
0,6 |
|
Table 3 |
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|
Specifications |
As of 01.01.2024 |
|||
|
Number of POS-terminals |
Number of ATMs |
Number of enterprises[3] |
Number of outlets |
|
|
Total, incl. |
1 041 884 |
12 649 |
793 065 |
932 062 |
|
Akmola region |
34 752 |
407 |
28 522 |
34 874 |
|
Aktobe region |
46 039 |
630 |
38 870 |
45 522 |
|
Almaty region |
42 827 |
305 |
41 203 |
44 461 |
|
Atyrau region |
37 671 |
594 |
30 191 |
36 256 |
|
East Kazakhstan reg. |
35 268 |
582 |
27 503 |
33 927 |
|
Jambul region |
39 418 |
542 |
33 541 |
39 280 |
|
West Kazakhstan reg. |
32 080 |
450 |
26 831 |
31 730 |
|
Karaganda region |
58 277 |
909 |
46 326 |
56 365 |
|
Kostanai region |
43 886 |
503 |
32 282 |
42 969 |
|
Kyzylorda region |
28 347 |
400 |
26 539 |
30 442 |
|
Mangistau region |
41 514 |
610 |
33 539 |
40 646 |
|
Pavlodar region |
42 144 |
615 |
30 214 |
40 154 |
|
North Kazakhstan reg. |
20 645 |
348 |
16 293 |
20 565 |
|
Turkestan reg. |
38 971 |
432 |
37 349 |
39 677 |
|
Almaty city |
255 548 |
2 280 |
152 417 |
181 800 |
|
Shimkent city |
77 693 |
760 |
47 676 |
52 075 |
|
Astana city |
122 347 |
1 442 |
104 137 |
115 069 |
|
Jetysu reg. |
16 385 |
287 |
15 116 |
17 400 |
|
Abay reg. |
19 488 |
367 |
18 060 |
20 042 |
|
Ulytau reg. |
8 584 |
186 |
6 456 |
8 808 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
|
Table 4 |
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|
Specifications |
January |
|
|
Cashless payments |
Cash withdrawals |
|
|
2023 |
||
|
Number of transactions (thousand) of which; |
742 015,63 |
17 261,36 |
|
local systems |
622 709,58 |
3 490,88 |
|
international systems, of which: |
119 306,04 |
13 770,48 |
|
Visa International |
92 578,69 |
11 399,71 |
|
MasterCard Worldwide |
12 175,41 |
1 791,50 |
|
Volume (mln.tenge), of which; |
8 800 306,36 |
1 489 103,56 |
|
local systems |
6 616 321,94 |
249 194,71 |
|
international systems, of which: |
2 183 984,42 |
1 239 908,85 |
|
Visa International |
1 250 624,64 |
993 396,58 |
|
MasterCard Worldwide |
336 276,17 |
206 113,02 |
|
2024 |
||
|
Number of transactions (thousand) of which; |
842 661,83 |
19 670,71 |
|
local systems |
699 698,15 |
6 133,37 |
|
international systems, of which: |
142 963,68 |
13 537,34 |
|
Visa International |
125 173,37 |
11 456,43 |
|
MasterCard Worldwide |
16 726,84 |
1 606,71 |
|
Volume (mln.tenge), of which; |
10 082 915,29 |
1 820 251,84 |
|
local systems |
7 672 825,28 |
432 625,54 |
|
international systems, of which: |
2 410 090,02 |
1 387 626,29 |
|
Visa International |
1 901 739,04 |
1 134 759,10 |
|
MasterCard Worldwide |
483 979,23 |
214 575,82 |
Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions
|
Table 5 |
||||
|
Specifications |
January 2024 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
838 658,2 |
10 064 837,3 |
19 409,3 |
1 793 321,2 |
|
Akmola region |
14 124,3 |
111 478,3 |
565,4 |
40 192,5 |
|
Aktobe region |
29 509,4 |
268 986,3 |
959,9 |
69 811,8 |
|
Almaty region |
26 169,6 |
257 816,6 |
389,5 |
37 444,6 |
|
Atyrau region |
26 605,6 |
266 707,8 |
684,4 |
61 135,4 |
|
East Kazakhstan reg. |
17 313,5 |
159 998,0 |
753,7 |
58 618,5 |
|
Jambul region |
26 059,4 |
242 148,9 |
1 058,3 |
76 480,4 |
|
West Kazakhstan reg. |
19 948,1 |
183 050,1 |
623,2 |
45 043,7 |
|
Karaganda region |
31 120,7 |
328 823,1 |
1 326,7 |
100 805,4 |
|
Kostanai region |
18 637,8 |
171 685,6 |
742,7 |
58 014,2 |
|
Kyzylorda region |
20 238,1 |
181 418,8 |
737,9 |
52 629,9 |
|
Mangistau region |
27 118,5 |
273 515,4 |
714,7 |
71 827,6 |
|
Pavlodar region |
19 844,9 |
177 873,9 |
893,4 |
63 874,2 |
|
North Kazakhstan reg. |
8 288,2 |
70 043,6 |
462,2 |
31 760,4 |
|
Turkestan reg. |
27 626,8 |
248 049,5 |
563,9 |
48 641,0 |
|
Almaty city |
353 913,8 |
5 185 640,3 |
4 098,2 |
536 425,1 |
|
Astana city |
85 759,4 |
1 035 755,5 |
1 672,5 |
190 664,7 |
|
Shimkent city |
51 286,4 |
598 123,0 |
1 617,0 |
147 542,1 |
|
Jetysu reg. |
16 349,6 |
137 659,3 |
651,9 |
40 703,3 |
|
Abay reg. |
13 096,0 |
109 828,4 |
639,6 |
40 636,5 |
|
Ulytau reg. |
5 648,3 |
56 234,6 |
254,6 |
21 069,8 |
Use of the payment cards issued by Kazakhstan and foreign banks on the territory of the Republic of Kazakhstan in the context of the operation environment
|
Table 6 |
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|
Specifications |
January 2024 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
838 658,2 |
10 064 837,3 |
19 409,3 |
1 793 321,2 |
|
POS - terminal |
181 345,0 |
1 068 573,0 |
271,2 |
215 039,0 |
|
ATM |
32,3 |
4 446,9 |
19 103,3 |
1 568 106,3 |
|
Internet and mobile phone |
456 654,4 |
7 997 911,1 |
- |
- |
|
Payment terminals |
60,5 |
3 338,3 |
34,8 |
10 175,8 |
|
QR-code |
200 566,1 |
990 568,0 |
- |
- |
Use of the payment cards issued by Kazakhstan banks outside of Republic of Kazakhstan in the context of the operation environment
|
Table 7 |
||||
|
Specifications |
January |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
2023 |
||||
|
Total, incl. |
10 230,1 |
195 307,5 |
344,7 |
27 331,6 |
|
POS - terminal |
4 806,7 |
113 081,3 |
3,5 |
1 098,9 |
|
ATM |
2,0 |
188,7 |
341,2 |
26 232,6 |
|
Internet and mobile phone |
5 321,8 |
79 480,9 |
- |
- |
|
others |
99,5 |
2 556,5 |
- |
- |
|
2024 |
||||
|
Total, incl. |
15 209,3 |
258 259,8 |
431,7 |
34 679,5 |
|
POS - terminal |
4 894,3 |
118 766,1 |
2,7 |
1 153,6 |
|
ATM |
6,5 |
305,5 |
428,5 |
33 265,5 |
|
Internet and mobile phone |
10 109,4 |
128 560,4 |
- |
- |
|
others |
199,2 |
10 627,9 |
0,5 |
260,4 |
[1] Placed by banks.
[2] Debit cards with credit limits and prepaid payment cards.
[3] Entrepreneurs who have concluded an agreement with an acquirer for servicing payment card holders.
